Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$124,276Cash toward the purchase price.
Closing costs + prepaids$11,245Not just lender fees.
Before credits & paid funds$135,520The complete starting cash picture.
Estimated remaining funds due at closing
$135,520No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,275.52
Your down payment$124,275.52
Closing costs + prepaids$11,244.86
Total buyer cash needed$135,520.38
Remaining funds due$135,520.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,128.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$645.00
Prepaid interest, first (30 days)$753.24
Fees + prepaids$11,244.86
Your down payment is the seller’s equity. You take over the $225,724 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $135,520.38 is due at closing. Uses and sources reconcile at $361,244.86 each. Not a Closing Disclosure.